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Mid 30s divorced mother of two from Houma, Louisiana came in to discuss bankruptcy options. She and her children live in a home with a single mortgage. She is six months behind on the mortgage and the property is in foreclosure. She does not have any other significant debt. She fell behind on the house note due to being unemployed for approximately 3 months. She is now reemployed and can afford to resume her house note but does not have sufficient funds to bring the note current. The recommended course of action is to file a chapter 13 bankruptcy in the bankruptcy court in New Orleans Louisiana to stop the pending Sheriff sale. Further, through filing the chapter 13 bankruptcy, the mortgage company will have to resume accepting the regular monthly payment while she is able to catch up on the past-due amounts by making a regular monthly chapter 13 bankruptcy plan payment to the United States chapter 13 trustee who in turn disperses those funds to the mortgage company. The plan payment would run from 36 to 60 months depending upon her financial ability to pay the chapter 13 plan payment.

The attorneys and lawyers at the bankruptcy law firm of Kirkpatrick and Associates have helped good people through bad times in Southeast Louisiana since 1999. The parishes we serve are Orleans, Jefferson, Assumption, Lafourche, Plaquemines, St. Bernard, St. Charles, St. James, St. John the Baptist, St. Tammany, Tangipahoa, Terrebonne and Washington. So whether you live in New Orleans, Metairie, Gretna, Avondale, Chalmette, Belle Chasse, Slidell, Covington, Mandeville, LaPlace, Houma, Thibodaux, Luling, Ponchatoula, Hammond, Amite, Kentwood, Franklinton or Bogalusa, our bankruptcy lawyers and attorneys are here to help.